Liability coverage

If you cause an auto accident, you need protection for the damage you might do to another person and that person's property. That's what auto liability insurance is all about.

If you're in an accident in which you're at fault, your property damage liability pays for the covered damage you've caused to the other car and provides you with legal defense if the other party files a lawsuit against you. Your bodily injury liability covers the costs associated with the covered injuries you may have caused to other people in that accident and also provides for a legal defense if you're sued.

Key points when choosing liability insurance:

  • Bodily injury liability covers injury to people, up to the policy limits.
  • You should have enough property liability insurance to cover the amount of damage your car might do to another vehicle or an object such as a building or piece of equipment.
  • With both types of liability, you want enough insurance to cover a lawsuit judgment, without jeopardizing your personal assets.

Most states require all motorists to maintain some form of liability insurance. Your Travelers representative can help you understand your state requirements and select the amount of liability coverage that's right for you.

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Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

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The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT, 06183. For a complete list of personal insurance underwriting companies, click here.

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Understanding the coverages you need

Understanding the coverages you need

Use our Auto Insurance Basics tool to help you understand common coverages and available options.

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